What DAK-Gesundheit does

DAK-Gesundheit is a German statutory health insurance fund (gesetzliche Krankenkasse) operating as an Ersatzkasse — one of the substitute-fund categories within the German social insurance system. It is organized as a Körperschaft des öffentlichen Rechts (public law corporation) with self-administration under the supervision of the Bundesamt für Soziale Sicherung in Bonn, with headquarters at Nagelsweg 27-31, Hamburg. DAK provides mandatory statutory health coverage to employed individuals, families, students, apprentices, self-employed, seniors, and international members across Germany, supplemented by optional benefits such as the DAK AktivBonus program (up to 500 EUR for fitness equipment), Wahltarif Fit&Cash cashback tariffs (up to 600 EUR annual savings), DAK MamaPLUS maternity benefits, and 100% travel vaccination coverage. The company is recognized as one of Germany's larger statutory health insurance providers, with a 4.9/5 satisfaction rating from 2.12 million website feedback submissions and consecutive Focus Money awards for Top Krankenkasse status.

The company's core technology stack is a digital service platform anchored by the DAK App, which serves as the primary mobile gateway for member self-service (document submission, bonus program management, and access to the DAK Online-Videosprechstunde telemedicine service). Supporting applications include the DAK ePA-App (electronic patient record), the DAK Pflege-App (nursing/care services for family caregivers), the Meine DAK encrypted customer portal, and DAK Chat and DAK Videoberatung communication services. Backend infrastructure is hosted and operated by BITMARCK Technik GmbH under a core technology partnership, with TLS-encrypted data transmission and electronic patient record infrastructure. The distribution model combines digital self-service with a physical service center network across Germany, 24/7 phone hotlines, and multilingual information portals in 20+ languages.

DAK-Gesundheit's revenue model is subscription-recurring statutory contributions paid by employed members and their employers under German law, with contribution rates set by regulation (~14.6% of gross wages plus individual supplementary rates). Go-to-market is direct-to-consumer with a streamlined online enrollment process in which DAK handles cancellation of the prior insurer. Partnerships extend the product surface (notably HanseMerkur for non-European travel insurance), and member acquisition is supported by a 30 EUR referral program and broad social media presence across Facebook, X, Instagram, YouTube, Xing, Pinterest, and LinkedIn.

Name

DAK-Gesundheit

Legal name

DAK-Gesundheit (Ersatzkasse)

Website

https://dak.de

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

DAK-Gesundheit is a German statutory health insurance fund (Ersatzkasse) providing regulated health coverage plus supplementary benefits to employed individuals, families, students, seniors, and international members across Germany through digital platforms, telemedicine, and physical service centers.

Ownership category

akta.pro rank

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Statutory Health Insurance Contributions: DAK-Gesundheit operates as a statutory health insurance fund (gesetzliche Krankenkasse). Revenue is generated through statutory membership contributions (Sozialversicherungsbeiträge) paid by employed members and their employers. Contribution rates are set by German law (approximately 14.6% of gross wages plus individual supplementary rates).

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

DAK-Gesundheit is a statutory German health insurance fund (Ersatzkasse) that provides mandatory and supplementary health insurance coverage to members in Germany. Its core offering includes statutory health insurance contributions, family insurance, maternity benefits (MamaPLUS), bonus programs (AktivBonus), optional cashback tariffs (Wahltarife Fit&Cash), and a portfolio of digital self-service tools (DAK App, ePA-App, Online-Videosprechstunde, secured customer portal).

Product overview

DAK-Gesundheit is a German statutory health insurance provider (Ersatzkasse) offering a unified platform of digital health services alongside traditional insurance products. The core digital ecosystem centers on the DAK App, which serves as the primary mobile gateway for members, integrated with the DAK ePA-App for electronic health records and the DAK Online-Videosprechstunde for remote consultations. The product portfolio includes wellness programs (DAK AktivBonus offering up to 500 EUR for fitness equipment), cashback tariff options (up to 600 EUR annual savings), specialized maternal care (DAK MamaPLUS), and 100% coverage for travel vaccinations. The DAK Pflege-App addresses care/nursing services for families. The fit! magazine provides quarterly health content, while Meine DAK serves as the secured web portal. All digital services are supported by chat and video consultation capabilities, with the full suite collectively branded under 'Digitale Angebote' (digital offerings).

Differentiator

Problem solved

Functional benefit

Brands

• DAK AktivBonus: Bonus program offering up to 500 EUR for fitness trackers, running shoes, and sports equipment
• DAK MamaPLUS
• DAK App
• DAK Pflege-App
• DAK ePA-App
• DAK Online-Videosprechstunde
• fit!
• DAK LeistungsCheck
• Wahltarif Fit&Cash

Products and services

• DAK App Primary mobile application enabling DAK-Gesundheit members to submit documents, manage bonus programs, and access the DAK Online-Videosprechstunde. Serves as the central digital self-service hub for statutory health insurance members in Germany.
• DAK ePA-App Electronic patient record (ePA) application allowing DAK-Gesundheit members to manage their personal digital health records.
• DAK Online-Videosprechstunde Online video consultation service accessible through the DAK App, enabling DAK-Gesundheit members to conduct remote doctor appointments digitally.
• Online-Coachings Digital coaching programs offered to DAK-Gesundheit members as part of its digital health service portfolio.
• Bonusprogramm (DAK AktivBonus) Bonus program rewarding DAK-Gesundheit members for healthy behaviors, offering up to €500 for sports and fitness equipment including fitness trackers, running shoes, and related gear.
• Cashback-Tarife (Wahltarife Fit&Cash) Optional cashback tariffs allowing DAK-Gesundheit members to save up to €600 per year on their statutory health insurance contributions.
• DAK LeistungsCheck Assessment tool helping DAK-Gesundheit members identify additional benefits and supplementary services available to them under their statutory coverage.
• DAK MamaPLUS Exclusive supplementary benefits program for pregnant DAK-Gesundheit members, covering additional prenatal and maternity services beyond statutory minimum coverage.
• Reiseimpfungen (Travel Vaccinations) Statutory travel vaccination benefit offering 100% reimbursement of travel vaccinations to DAK-Gesundheit members.
• DAK Pflege-App Care application for managing nursing and care-related services, designed for family members caring for elderly relatives on behalf of DAK-Gesundheit members.
• fit! Gesundheits-Magazin Health magazine delivered three times per year to DAK-Gesundheit members, available in digital and print subscription form, offering health information, interviews, and wellness inspiration.
• Meine DAK (Protected Customer Portal) Secured online customer portal providing DAK-Gesundheit members with TLS-encrypted access to secure mailbox, document management, and member services.
• DAK Chat Chat service enabling DAK-Gesundheit members to communicate with customer service digitally with documented privacy controls.
• DAK Videoberatung Video consultation service enabling DAK-Gesundheit members to conduct advisory sessions with documented privacy data protection compliance.

Quantifiable outcome

• 4.9/5 customer satisfaction rating from 2,120,658 feedbacks
• +2 more outcomes

Segments8 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• HanseMerkurcoreStrategic or Co-development PartnerHanseMerkur provides premium supplementary travel insurance for DAK members traveling outside Europe. This partnership enables DAK to offer comprehensive international coverage, with DAK members able to access healthcare using their European Health Insurance Card within Europe, and HanseMerkur providing supplementary travel insurance for non-European destinations.
• BITMARCK Technik GmbHcoreTechnology or IntegrationBITMARCK Technik GmbH provides hosting and technical realization services for DAK-Gesundheit's digital infrastructure and website platforms.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• IKK gesund plus: Statutory health insurer operating under the IKK brand, directly comparable to DAK on product design, membership contribution model, and competitive positioning within the German statutory system.
• Pronova BKK: German statutory company-level sickness fund (BKK) with comparable digital and bonus program offerings, competing for the same employed demographic as DAK's broad-base membership.
• KKH Kaufmännische Krankenkasse: German Ersatzkasse targeting white-collar employees and families, similar in customer mix and statutory product design to DAK-Gesundheit's working-professional segment.
• AOK Bundesverband (Allgemeine Ortskrankenkassen): Federation of Germany's regional statutory sickness funds, jointly the largest statutory insurer pool. Same regulatory regime (gesetzliche Krankenversicherung), same digital/digital-first trajectory, member-level competition.
• HanseMerkur Krankenversicherung: Dual-status private and statutory health insurer; already a strategic partner of DAK for supplementary travel insurance. Operates in adjacent statutory and complementary insurance space.
• Techniker Krankenkasse (TK): Largest German statutory health insurer (Ersatzkasse) and the most direct peer to DAK-Gesundheit, competing for the same employed and family-member pool on supplementary contribution rate, digital service quality, and bonus programs.
• Barmer Krankenkasse: Another major German Ersatzkasse with overlapping target segments (families, working professionals, students). Direct competitor on member acquisition and digital offerings in the same statutory market.

Broad incumbents

• Allianz Private Krankenversicherung: Germany's largest private health insurer serving higher-income and self-employed members who are exempt from statutory insurance. Broad incumbent serving the broader German health-insurance category.

Emerging players

• Doctolib: European digital-health booking and video-consultation platform overlapping with DAK's Online-Videosprechstunde and Online-Coachings services; emerging infrastructure layer DAK's digital strategy increasingly interacts with.

Others

• Vivantes / Helios (provider-side, Statutory overlap): Large hospital / provider networks with which DAK negotiates care contracts. Not a peer insurer, but a critical counterpart shaping statutory-fund member experience and cost structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/dakgesundheit
• YouTubeyoutube.com/user/dakgesundheit
• Facebookfacebook.com/dakgesundheit
• LinkedInlinkedin.com/company/dak-gesundheit
• Instagraminstagram.com/dakgesundheit
• Pinterestpinterest.de/dakgesundheit

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DAK-Gesundheit